The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$41,608
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,902
−HK$1,315/mo
Today · 4.125%
HK$44,217
baseline
▲ 0.50% · 4.625%
HK$46,907
+HK$2,690/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$88,434/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,288
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,530
−HK$1,259/mo
Today · 4.125%
HK$48,789
baseline
▲ 0.50% · 4.625%
HK$51,361
+HK$2,572/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$97,578/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,929
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,482
−HK$1,578/mo
Today · 4.125%
HK$53,060
baseline
▲ 0.50% · 4.625%
HK$56,289
+HK$3,229/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$106,120/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,546
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,036
−HK$1,511/mo
Today · 4.125%
HK$58,547
baseline
▲ 0.50% · 4.625%
HK$61,633
+HK$3,086/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$117,094/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,251
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,063
−HK$1,841/mo
Today · 4.125%
HK$61,904
baseline
▲ 0.50% · 4.625%
HK$65,670
+HK$3,766/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$123,808/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,803
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,541
−HK$1,764/mo
Today · 4.125%
HK$68,305
baseline
▲ 0.50% · 4.625%
HK$71,905
+HK$3,600/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$136,610/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,894
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$77,224
−HK$2,366/mo
Today · 4.125%
HK$79,590
baseline
▲ 0.50% · 4.625%
HK$84,433
+HK$4,843/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$159,180/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,319
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$85,553
−HK$2,267/mo
Today · 4.125%
HK$87,820
baseline
▲ 0.50% · 4.625%
HK$92,449
+HK$4,629/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$175,640/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,261 · Scale 2, in force from 26 Feb 2026)